Solutions Specialty Insurance Brokers
Business Insurance for Specialized Businesses & Industries
Customized business insurance solutions designed around the specific risks, operations and coverage needs of specialized businesses.
Licensed in CA, AZ & NV15+ Years of Experience“A” Rated CarriersFree, No-Obligation Quotes
Solutions Specialty Insurance Brokers is an independent insurance brokerage licensed in California, Arizona and Nevada. We place commercial insurance for businesses in specialized classes, including trucking and transportation companies, car wash operations, tire dealers and haulers, auto body and repair shops, parking and valet operators, janitorial contractors, offices and retail stores.
A tire hauler, a 24 hour car wash and a janitorial contractor working across fifteen client sites each carry a different set of exposures, and each needs its business insurance coverage structured differently. We build the program around your operation and place it with carriers that write your class of business.
Industry-Specific Business Insurance
Most package policies are built for a broad commercial average. Industry-specific insurance is underwritten against the way a particular type of business runs: the equipment it depends on, whether it takes custody of customer property, how many vehicles it operates and what a single claim in that class typically costs.
The industries below are our main segments. Each section lists the specialty business insurance exposures that come up most often in that class.
Trucking & Transportation Insurance
Trucking insurance and transportation insurance carry high severity exposure. A single at fault loss involving a tractor trailer can run well past the limits on a program that was never sized for it. We structure trucking business insurance around fleet size, radius of operation, the commodities being hauled and any filing requirements that apply.
Coverage commonly included:
- ✔Commercial auto liability for tractors, trailers, straight trucks and support vehicles
- ✔Physical damage on owned and financed power units
- ✔Motor truck cargo matched to the commodities you haul
- ✔Non-trucking liability and bobtail coverage for owner operator arrangements
- ✔Hired and non-owned auto exposure
- ✔General liability, workers compensation and surety bonds
- ✔Support with federal and state filings
Car Wash & Detailing Insurance
Solutions Specialty Insurance Brokers specializes in car wash insurance for tunnel, in-bay automatic, self-serve and full service operations. Two exposures dominate car wash business insurance: customer vehicles in your custody, and the premises liability that comes with wet surfaces and constant public traffic. Auto detailing insurance extends the same program to mobile and off-site work.
Coverage commonly included:
- ✔Garagekeepers legal liability for customer vehicles on your lot or in the tunnel
- ✔General liability for slip and fall and premises exposure
- ✔Commercial property insurance on conveyors, blowers, vacuums, pumps and bay equipment
- ✔Business income coverage for downtime following equipment failure or property loss
- ✔Mobile detailing units and off-premises operations
- ✔Employee tools and portable equipment
Tire Dealers & Haulers Insurance
Tire dealers present unique needs and exposures that a standard package policy rarely addresses well. Tire dealer insurance has to respond to products liability long after a sale is completed. Tire hauler insurance has to respond to road risk, cargo and scrap handling.
Coverage commonly included:
- ✔Products and completed operations liability, including wheel-off exposure
- ✔Commercial auto insurance for service trucks, delivery vehicles and haulers
- ✔Commercial property insurance on inventory, stock and shop equipment
- ✔Motor truck cargo for tires in transit and scrap tire hauling
- ✔Garagekeepers coverage for customer vehicles during mounting and service
- ✔Mobile and roadside service liability
Auto Body & Repair Shop Insurance
Our insurance programs offer a variety of coverage for auto body and repair shops from single to multiple-location operations. Auto repair shop insurance and auto body shop insurance have to address customer vehicles in your custody, the value of your own equipment, and the liability that follows completed repair work.
Coverage commonly included:
- ✔Garage liability for operations and completed work
- ✔Garagekeepers legal liability for vehicles on premises and during test drives
- ✔Commercial property coverage on lifts, paint booths, frame machines, diagnostic equipment and tools
- ✔Business income and extra expense
- ✔Environmental exposure from paints, solvents and waste handling
- ✔Workers compensation for technicians and body staff
- ✔Multi-location business insurance for shops running more than one site
Parking & Valet Operations Insurance
When the valet attendant receives the keys, they are responsible for damages caused by and to their customer’s vehicles. That custody exposure sits at the centre of valet parking insurance and valet business insurance. Parking lot insurance for surface lots, structures and attended facilities adds premises liability and property exposure on top of it.
Coverage commonly included:
- ✔Garagekeepers legal liability for vehicles in your care, custody and control
- ✔General liability for the lot, structure, ramps and pedestrian areas
- ✔Commercial auto insurance, including hired and non-owned exposure
- ✔Employee dishonesty and theft coverage
- ✔Attendant and shuttle operations liability
- ✔Commercial property insurance on booths, gates, kiosks and payment equipment
Office & Retail Store Insurance
Office insurance and retail store insurance cover the space you occupy, the inventory and equipment inside it, and the liability that comes with having customers on the premises. A retail business insurance program should also cover the revenue that stops while you are closed after a loss.
Coverage commonly included:
- ✔General liability insurance for customer injury and premises exposure
- ✔Business property coverage on stock, inventory, fixtures and furnishings
- ✔Business income and extra expense following a covered loss
- ✔Crime, theft and money coverage
- ✔Glass, signage and tenant improvements
- ✔Professional liability where the business provides advice or professional services
- ✔Multi-store and multi-site programs
Janitorial & Cleaning Business Insurance
Janitorial and cleaning companies provide important and specialized services to their commercial and residential clients. Janitorial insurance and commercial cleaning insurance have to cover your own exposures while also satisfying the insurance requirements written into your client contracts. Cleaning business insurance through Solutions Specialty is built with both in mind.
Coverage commonly included:
- ✔General liability insurance, including damage to client property
- ✔Care, custody and control coverage for keys, alarm codes and client premises
- ✔Janitorial bonds and employee dishonesty coverage
- ✔Commercial auto insurance for crew vehicles and supply transport
- ✔Equipment, machinery and portable tools coverage
- ✔Workers compensation for cleaning crews
- ✔Additional insured and waiver of subrogation endorsements required by client contracts
Commercial Insurance Coverage for Your Business
Across industries, most commercial business insurance programs are assembled from the same core coverage lines. What varies is how those lines are limited, endorsed and matched to the way a business actually operates.
General Liability & Business Liability
Business liability insurance sits at the base of nearly every commercial insurance program. General liability insurance responds to third party bodily injury and property damage arising out of your premises, operations and completed work.
Depending on the exposure, commercial liability insurance can be extended with:
- ✔Products and completed operations liability
- ✔Professional liability for errors in services or advice
- ✔Garage liability for automotive risks
- ✔Hired and non-owned auto liability
- ✔Umbrella and excess liability above the primary limits
Businesses working under contract often need specific business liability coverage endorsements to satisfy a client, landlord or lender. We review those requirements at quote stage and confirm the program meets them before it is bound.
Property & Business Assets
Commercial property insurance covers the physical side of the operation: buildings you own, tenant improvements you have paid for, equipment, machinery, stock and inventory. A program built for business asset protection generally includes:
- ✔Business property coverage on buildings, contents and outdoor property
- ✔Equipment breakdown for mechanical and electrical systems
- ✔Business income and extra expense to cover lost revenue during restoration
- ✔Inland marine for tools and equipment away from the premises
- ✔Crime, theft and money coverage
Property values that have not been updated in several years are a common source of coinsurance problems at claim time. A commercial risk assessment during the quote process is where those gaps get identified.
Commercial Auto & Vehicle Risks
Any business that owns, leases, rents or borrows vehicles carries an auto exposure. Commercial auto insurance covers liability and physical damage on owned units. A broader commercial vehicle insurance program can add:
- ✔Hired and non-owned auto liability for rented vehicles and employee owned cars used for work
- ✔Physical damage, comprehensive and collision on owned units
- ✔Garagekeepers coverage where the business handles customer vehicles
- ✔Motor truck cargo for goods in transit
- ✔Trailer interchange and on-hook towing
Customized Insurance for Different Business Risks
Customized business insurance begins with understanding what actually threatens the operation. Two businesses in the same industry can carry very different risk profiles depending on revenue, payroll, fleet, location, contract obligations and claims history.
Our process for building tailored business insurance runs in four stages:
- ✔1. A business risk assessment covering operations, exposures, contracts and existing coverage
- ✔2. A review of where the current business insurance coverage would fail to respond
- ✔3. Submission to carriers whose appetite fits the risk profile
- ✔4. Limits, deductibles and endorsements assembled into a single business insurance program
What comes out of that process is business risk insurance written against the operation in front of us rather than an industry template.
Coverage for Single & Multiple Locations
Adding a second shop, yard, store or service territory introduces new property values, new payroll, new local requirements and usually a new set of contract obligations. Multi-location business insurance brings those exposures into one program, typically with:
- ✔Scheduled property values and limits by location
- ✔Blanket limits across sites where that structure makes sense
- ✔Consistent liability limits at every location
- ✔A single renewal date and one point of contact
- ✔Certificates issued per site as landlords and clients require
Our commercial insurance solutions are structured so that a business operating one location and a business operating fifteen can stay on the same program as it grows.
Small Business Insurance Solutions
Insure your business to protect what’s important with our Professional Small Business Program. We can customize the policy to provide you the coverage against the risks your specific business faces.
The program is aimed at operations that have outgrown a basic package policy but are not yet large enough to be underwritten as a standalone commercial account. Our small business insurance program covers the same core lines found in a larger program, sized and rated for a smaller operation.
It is commonly written for:
- ✔Owner operated and family run businesses
- ✔Startups and newly licensed operations
- ✔Contractors and service businesses working under client insurance requirements
- ✔Single location retailers, offices and service providers
- ✔Businesses in the process of adding vehicles, employees or sites
As revenue, payroll and locations change, the small business insurance program is adjusted at renewal to match.
Business Insurance Carriers & Coverage Options
Solutions Specialty Insurance Brokers has several “A” rated insurance carriers to deliver appropriate insurance coverage.
Access to multiple insurance carriers is the practical difference between a brokerage and a captive agency. A captive agent has one company’s product to offer. If that company declines your class of business or prices it out of the market, there is nowhere else for the submission to go.
Carrier appetite describes what an insurance company actively wants to write at a given time. It shifts based on:
- ✔Industry class and operations
- ✔Revenue, payroll and fleet size
- ✔Geography and operating territory
- ✔Loss history and years in business
- ✔Coverage limits and deductible structure
Part of our job is tracking which commercial insurance carriers currently want a given class of risk and submitting there. For classes that standard markets decline, we access specialty insurance markets and surplus lines carriers that write higher hazard operations.
That access is what allows us to bring back more than one viable option on most accounts, with the differences in commercial coverage between them explained.
Why Work With a Business Insurance Broker?
A business insurance broker works on your behalf. A captive agent represents one insurance company. The distinction shows up in how a program gets structured, how renewals are handled and what happens at claim time.
Working with an independent insurance broker gives you:
- ✔Access to multiple carriers from a single submission
- ✔Advice that is not tied to one company’s product line
- ✔Regular experience with transportation, automotive, parking, janitorial and retail classes
- ✔Remarketing at renewal if your current carrier’s pricing moves the wrong way
- ✔Support through the claims process
- ✔A review of the insurance requirements in your client agreements and leases
As an independent insurance agency, our primary commitment is to you, the insured.
Customized Commercial Insurance Solutions
A commercial insurance broker who works in your industry regularly asks a different set of questions at the application stage, because the loss drivers in a janitorial contract look nothing like the loss drivers on a tire hauling route. For our clients that means:
- ✔Coverage selected against the exposures the operation actually carries
- ✔Limits set against the size of loss the business could realistically face
- ✔Endorsements added where a standard form would leave a gap
- ✔Deductibles set against what the business can reasonably absorb
- ✔Every line of coverage managed through one insurance brokerage relationship
We review the full program at each renewal so that business insurance solutions written two or three years ago still match the revenue, payroll, fleet and locations the business carries today.
Business Insurance in California, Arizona & Nevada
Solutions Specialty Insurance Brokers is an independent insurance brokerage licensed in the states of California, Arizona and Nevada. For over 15 years, we have a proven record of commitment and dedication to excellence in service to our individual clients and businesses. Each of the three states has its own regulatory environment, its own active carrier base and its own mix of commercial risk.
California Business Insurance
California business insurance operates in a heavily regulated commercial environment, with strict workers compensation requirements, high liability severity and dense urban operating conditions. We serve California businesses from our Los Angeles County office in Maywood, and by appointment from Corona in Riverside County. Our California commercial insurance placements are concentrated in transportation, automotive services, parking operations, janitorial contracting and retail. As a California business insurance broker, we place coverage across both standard and surplus lines markets for businesses across the state.
Arizona Business Insurance
Arizona business insurance serves a growing commercial base across Phoenix, Tucson and the surrounding metro corridors, with significant activity in logistics, distribution and automotive services. Arizona commercial insurance programs frequently have to account for regional and long haul trucking routes, hail and weather related property damage, and interstate operations running between Arizona, California and Nevada. We act as an Arizona business insurance broker for single state operations and for businesses running across the Southwest.
Nevada Business Insurance
Nevada business insurance supports businesses across Las Vegas, Reno and the surrounding regions. Valet and parking operations, janitorial contractors, transportation companies and service businesses working with the hospitality sector all form part of that market. Businesses serving hotels, casinos and event venues are usually working under contracts with strict insurance requirements and specific additional insured language, which their Nevada commercial insurance program has to satisfy. As a Nevada business insurance broker, we structure coverage to meet both the risk profile and the contract obligations.
Get a Customized Business Insurance Quote
A business insurance quote from Solutions Specialty starts with a conversation about how your business operates. Tell us what you do, where you do it and what you own. We will work through the exposures that matter, take the risk to carriers whose appetite fits it, and come back with options and a clear explanation of what each one covers.
What you get:
- ✔A free, no obligation commercial insurance quote
- ✔A review of your current coverage and any gaps in it
- ✔Options from multiple insurance carriers where the market allows
- ✔A licensed agent in California, Arizona or Nevada
- ✔A customized insurance quote built from your own exposures rather than a class average
We write both single location programs and full commercial programs for multi-site operations, so a small business insurance quote and a fifteen location submission go through the same process.
Frequently Asked Questions
What is business insurance?
Business insurance is a set of coverages that protect a company against financial loss from liability claims, property damage, vehicle accidents and interruption of operations. Most programs combine general liability, commercial property and commercial auto coverage, with further lines added based on the business. It can be bought as a package or as separate policies coordinated into one program.
What does business insurance cover?
Business insurance coverage typically includes third party bodily injury and property damage liability, damage to your own buildings, equipment and inventory, and liability and physical damage on company vehicles. Many programs also include business income coverage, professional liability, workers compensation and surety bonds. Exact coverage depends on the policy forms and endorsements in the specific program.
What types of businesses does Solutions Specialty insure?
Solutions Specialty Insurance Brokers writes business insurance for trucking and transportation companies, car wash and detailing operations, tire dealers and haulers, auto body and repair shops, parking and valet operations, offices and retail stores, and janitorial and cleaning companies. These are our main business segments. Coverage for other commercial classes is available on request.
Does Solutions Specialty offer small business insurance?
Yes. The Professional Small Business Program is written for emerging and small businesses that need coverage sized to their operation. The policy is customized to the risks the specific business faces rather than sold as a fixed package.
What types of business liability coverage are available?
Business liability insurance is available for premises and operations, products and completed operations, professional services, garage operations and hired and non-owned auto exposure. Umbrella and excess liability can be added above the primary limits. Contract driven endorsements such as additional insured and waiver of subrogation are commonly included where client agreements require them.
Does business insurance cover commercial vehicles?
Commercial auto insurance covers vehicles owned, leased or used by a business, including liability, comprehensive and collision coverage. A business that uses rented vehicles or employee owned cars for work also needs hired and non-owned auto coverage. Personal auto policies generally exclude business use, so most company vehicles require commercial vehicle insurance.
How is business insurance customized?
Customized business insurance starts with a business risk assessment covering operations, revenue, payroll, fleet, locations, contracts and claims history. Coverage lines, limits, deductibles and endorsements are then selected against those specific exposures. The program is built around the individual operation rather than applied from a standard industry template.
How does a business insurance broker help find coverage?
A business insurance broker works on behalf of the client rather than a single insurance company, submitting the risk to multiple carriers and comparing what comes back. Brokers also identify coverage gaps, negotiate terms, handle renewals and support clients through claims. For specialized or higher hazard operations, a broker can reach surplus lines and specialty markets that are not available directly to the public.
Does Solutions Specialty work with multiple insurance carriers?
Yes. Solutions Specialty Insurance Brokers has several “A” rated insurance carriers available to deliver appropriate insurance coverage. Working with multiple carriers means a risk can be matched to the markets whose appetite fits it, which generally produces more than one usable option.
What states does Solutions Specialty provide business insurance in?
Solutions Specialty Insurance Brokers is an independent insurance brokerage licensed in California, Arizona and Nevada. Businesses in all three states are served from our offices in Maywood and Corona, California. Licensed agents are available for business insurance quotes in each state.
How much does business insurance cost?
Business insurance cost depends on industry, revenue, payroll, employee count, number of vehicles, property values, coverage limits, deductibles, location and claims history. A trucking company running ten power units and a single location retail store will pay very different premiums for the same coverage lines. Accurate pricing requires a quote based on the actual operation.
Can I get a customized business insurance quote?
Yes. Solutions Specialty provides free, no obligation customized business insurance quotes for businesses in California, Arizona and Nevada. Call a licensed agent on (323) 771-0777 or submit a quote request and we will build a program around your specific exposures.
Get a Customized Business Insurance Quote
Call (323) 771-0777. Licensed agents in California, Arizona and Nevada. Los Angeles County, Maywood office and Riverside County, Corona (by appointment only).
Get a Free Business Insurance QuoteCall (323) 771-0777
Maywood: 4445 Slauson Ave, Maywood, CA 90270 | Corona (by appointment): 4160 Temescal Canyon Rd Ste 401, Corona, CA 92883
Mon–Fri 9:30am–5:30pm | Sat 10:00am–3:00pm | Sun closed